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Free calculators, scorecards and quizzes you run on your own numbers. Open a tool, make your own copy and plug in your figures, and the math updates on its own. Use them to see what slow pay is costing you, what one commercial account is worth, what the business would bring at sale, and where your commercial upside sits. There is no signup, you do not need spreadsheet skills, and your numbers stay with you.

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Not sure where to start? Take Audit Your Whole Business: The 20-Minute Self-Assessment to find your two weakest departments in about twenty minutes, then run the fixes on Run Your Week on a Sprint Board: A Template You Can Copy. For a faster, commercial-only read, take The Commercial Health Scorecard: Where Does Your Business Stand?. Still unsure which tool fits the question you have? Which GEM Tool Should You Use? The Scorecards, Calculators, and Quizzes, Mapped maps every one of them to the problem it solves.

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Diagnose where you stand

• The Commercial Health Scorecard: Where Does Your Business Stand? Nine lines, scored 0 to 2, and the Level your commercial business sits at today.
• The Commercial Health Scorecard Worksheet The Scorecard as a fill-in worksheet you print and keep.
• The Whole-Business Self-Audit Worksheet The 20-Minute Self-Assessment as a fill-in worksheet: 27 lines, nine domain averages, and your two lowest to work on.
• Concentration Risk Self-Audit: How Exposed Are You? How much of your revenue one outside decision could take away.
• Calculator: Revenue Concentration (HHI) and Your Risk Zone The concentration index, computed, and the risk zone it puts you in.
• Commercial Readiness Quiz: Ownership, Capacity, and Follow-Up in Six Questions Six questions on ownership, capacity and follow-up.
• Quiz: Is Your Shop Ready to Win Commercial? (The Honest Fit Check) The honest fit check before you spend a dollar on commercial.
• MSA Readiness Scorer: Are You Ready to Propose an MSA? Whether you are ready to propose a Master Service Agreement (MSA), and what is missing if not.

Find the money you are leaving behind

• Slow-Pay Calculator: What Slow Pay Is Costing You The carrying cost of a long commercial pay cycle on your book.
• Deductible and Scope Leak Calculator: What Are Your Two Cash Leaks Costing You? Uncollected deductibles and unbilled scope, added up for the year.
• Money Left on the Table: Supplement Recovery Calculator What the supplements you never wrote were worth.
• Commercial Job Margin Calculator One commercial job, fully costed, with real overhead loaded in.
• True Labor Cost Worksheet: Find Your Real Labor Burden Your loaded cost per billable hour with the truck, tools and training carried inside the rate.
• Calculator: Your Fully-Loaded Labor Burden The same rate with wage, statutory burden and benefits only. Run it right in the page. Use one boundary or the other, everywhere, including in your job costing.